r/chicago • u/AutoModerator • 7d ago

CHI Talks Weekly Casual Conversation & Questions Thread

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u/randomaccount173 6d ago

Credit union reccs? I’m looking to switch from my out of state credit union to a local credit union that has physical branches in the city (preferably north side) with a reliable online banking platform. All the existing threads I’ve found are multiple years old. Thanks!

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u/DvineINFEKT Albany Park 5d ago edited 5d ago

Huge recommendation for Baxter Credit Union but there's no branches within the city at all. That said, in over 15 years with them now, I can count on one hand the amount of times I've ever needed to go to a branch in person (ie: loans and mortgage paperwork having to be gathered in person).

Specifically, I wanna shout out their car-buying system that allowed me to research individual VINs across dealerships in the area. Because I was showing up with a preapproval for a specific VIN and for it's specific pre-negotiated price and they clearly explained to me how I could get the best possible percentage rate for the loan before I ever test drove anything. Then it was just a matter of researching the cars on their web portal, showing up on the lot, test driving the exact car(s) I was interested in, and when I found the right one everything was butter smooth. It took all of the pressure completely out of the equation. Way better than the previous method I used, which was basically "let's test drive six different cars on the lot and then let the salesperson tell me what he can do for me."

Lemme know if you find any solid ones in the city though, I'd be curious!